and to compare it to katrina, katrina lost more lives. we lost too many lives, but not close to katrina. but in other ways it's much more devastating than katrina. right now in new york 305,000 homes are seriously damaged or gone. kirsten showed the pictures of some of them that are just gone by fire because the water systems failed, and the wind -- then the electrical systems got shorted; fire, wind. and the, so 305,000 homes seriously damaged or gone. just in new york up to now, there are going to be more that we'll learn about because the flooding is still there in lots of the basements. these are low-lying houses. there were 214,000 total homes gone in katrina of the same level of damage. businesses, 265,000 -- this is just new york. bob will talk about, and frank talked about new jersey which has similar levels of damage. in katrina 18,000 businesses. because of the density of the population, it is a much greater economic impact on our region, of course, and on the nation. than otherwise. so despite all this pain we can't entirely fa